Are there waiting periods on BIAW medical plans?
BIAW medical plans include a three-month waiting period for pre-existing conditions and a 12-month waiting period for transplant-related expenses. However, full portability (i.e., crediting of time covered under a previous plan) for pre-existing conditions is available through the BIAW Trust in accordance with State and Federal insurance regulations. Waiting periods for transplant-related expenses are not portable; therefore, all participants will be subject to the 12-month waiting period regardless of the length of time on a prior plan.
